Hometown Federal Credit Union

Loan Rates

New Vehicles 2022 Model Year

Rates Current as of: 9-21-2023

DescriptionMaximum Term
APR*
as low as
  
New Auto/Truck/Van72 months
5.00 %
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New Motorcycle72 months
6.00 %
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New Off Road Vehicle – Lawnmower72 months
8.00 %
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New Boat – RV – Camper – Motorhome72 months
7.00 %
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Other rates available may be higher based on risk based lending policy. *APR is Annual Percentage Rate. Rates posted are base rates and may be higher depending on credit score and term. ALL RATES SUBJECT TO CHANGE AT DISCRETION OF BOARD OF DIRECTORS.

Used Vehicles

Rates Current as of: 9-21-2023

DescriptionMaximum Term
APR*
as low as
  
Used Auto/Truck/Van 2017-202260 months
6.45 %
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Used Auto/Truck/Van 2012-201660 months
7.50 %
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Used Auto/Truck/Van 2006-201148 months
9.75 %
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Used Auto/Truck/Van 2005 & Older36 montha
11.25 %
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Used Motorcycle 2015 – 202260 months
7.50 %
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Used Motorcycle 2014 & Older 48 months
8.75 %
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Used Boat- RV – Camper – Motorhome 60 months
2% above auto rate-based on year
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Used Off Road Vehicle – Lawnmowers 60 months
3% above auto rate-based on year
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Other rates available may be higher based on risk based lending policy. *APR is Annual Percentage Rate. Rates posted are base rates and may be higher depending on credit score and term. ALL RATES SUBJECT TO CHANGE AT DISCRETION OF BOARD OF DIRECTORS.

Mortgage and Equity Loans

Rates Current as of: 9-21-2023

DescriptionMaximum Term
APR*
as low as
  
2nd Mortgage (10yr Max Home Equity)120 months max
8.250 %
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2nd Mortgage (15yr Max Home Equity)180 months max
8.500 %
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Other rates available may be higher based on risk based lending policy. *APR is Annual Percentage Rate. Rates posted are base rates and may be higher depending on credit score and term. ALL RATES SUBJECT TO CHANGE AT DISCRETION OF BOARD OF DIRECTORS.

Other Loans

Rates Current as of: 9-21-2023

DescriptionMaximum Term
APR*
as low as
  
Unsecured36 months max
14.50 %
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Shared Pledged min of 2.5% 36 months
min of 2% over secured funds rate of return
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Credit Card (VISA Platinum) open end
9.9 %
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Credit Card (VISA Classic) open end
12.9 %
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Other rates available may be higher based on risk based lending policy. *APR is Annual Percentage Rate. Rates posted are base rates and may be higher depending on credit score and term. ALL RATES SUBJECT TO CHANGE AT DISCRETION OF BOARD OF DIRECTORS.

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